我国按揭贷款首付比例处于国际较高水平-行业数据

我国按揭贷款首付比例处于国际较高水平

中国的住房金融体系由商业按揭贷款和公积金构成，前者主导。对于商业按揭贷款，我国按揭贷款首付比例、按揭贷款利率均处于国际较高水平，贷款条件较为严格。对于住房公积金，我国一直实行强制储蓄、低存低贷的政策，并且公积金资金池封闭运行，满足贷款和提取要求后，结余资金用于银行存款或购买国债。

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